Personal Checking

Personal Checking Accounts

Checking accounts, debit cards, however you refer to it, we have the account that will suit your needs.

We strive to keep things simple, and our checking accounts deliver.

Free Checking¹
 This popular account is a simple and free account allowing easy access to funds.
  •  $25 initial deposit
  •  No minimum balance
  •  No monthly fee
  •  Free instant issue debit card
  •  Free affinity debit card available – click for debit card options (PDF)
  •  Overdraft protection options²

¹ All checking accounts require a membership savings account
² Interest or fees may be charged when used
³ Application required and subject to credit approval 
PREFERRED Checking¹
This account offers the ability to earn a dividend on balances, while offering the convenience of a transactional account.
  •  $1,000 initial deposit
  • $1,000 minimum balance
  • No monthly fee with minimum balance
  • Dividends earned – with minimum balance requirement
  •  Free instant issue debit card
  •  Free affinity debit card available – click for debit card options (PDF)
  • Overdraft protection options²

¹ All checking accounts require a membership savings account
² Interest or fees may be charged when used
³ Application required and subject to credit approval 
Order Checks
Ordering checks is simple! 
Just visit the link below and enter in your information.
You will need your account number handy to order checks.
IMCU's Routing Number: 274 074 040
If you have any questions, feel free to contact Member Services at 800.556.9268 or 317.248.8556
 
Debit Cards

Show your personality and choose your debit card!

 
  • FREE Affinity Debit Card
  • Instant Issued Debit Card
  • Accepted wherever the MasterCard® logo is displayed and the funds are deducted from your checking account
  • No need to write checks
  • Safer than carrying cash
  • Withdraw funds from an ATM
 
Debit Card Inquiries:
Member Services - 800.556.9268
Lost/Stolen Cards - 800.556.9268
Fraud - 888.918.7313
PIN Concerns - 866.985.2273

FRAUD ON YOUR ACCOUNT: If you know you’ve had fraud on your account, contact Member Services during business hours and file a dispute for the fraudulent charges.  Outside of business hours, call 800.556.9268 and listen for the prompts to be directed to cancel your debit card to avoid additional fraudulent charges.  Contact Member Services the next business day to file a dispute.  Member Services – 800.556.9268

RECEIVE A CALL FROM THE IMCU FRAUD DEPT: If you have received a call from the Fraud department regarding fraudulent charges, return the call to verify transactions in order for standard use to resume. Fraud Services - 888.918.7313  

IF YOU HAVE LOST YOUR DEBIT CARD: If you have lost your debit card, during business hours contact Member Services at 800.556.9268. Outside of business hours, please call 866.541.2915.

PIN CONCERNS: If you need to set or reset a PIN, contact 866.985.2273